Everything included

One app. Your complete
financial picture.

No paywalled modules. No artificial limits. Every feature below is available on the free tier — bank sync is the one feature that requires a paid plan.

app.offtilt.ca/dashboard/budget

Flexible budgeting

Budget your way, not someone else's.

Assign every dollar to a category if you want strict zero-based budgeting — or keep it loose with a general pool for unassigned income. OffTilt adapts to how you actually manage money, not the other way around.

Budget by category with monthly, biweekly, weekly, or annual periods
FCAC-based default category structure pre-loaded for every new user
Real-time actuals vs budgeted totals
Overspent categories flag immediately in amber or red
Income tracking alongside expenses — see your full cash flow

app.offtilt.ca/dashboard/net-worth

Full financial picture

Know your number.

Net worth is the one number that tells you how you're actually doing. OffTilt tracks assets and liabilities across all your accounts and updates it automatically.

Tracks chequing, savings, investments, credit cards, loans, and mortgages
Mortgage principal automatically reduces as payments are made
Manual assets supported — property, vehicles, collectibles
Net worth updates in real time as transactions are added
Visual breakdown of assets vs liabilities

app.offtilt.ca/dashboard/transactions

Transaction management

Your money, fully accounted for.

Every dollar in and out, organized and categorized. Import from your bank, connect directly, or enter manually — OffTilt handles all three.

CSV import from all major Canadian banks (TD, RBC, CIBC, BMO, Scotiabank)
Auto-categorization on import using Canadian merchant patterns
Manual transaction entry with full category and notes support
Payee-based categorization rules you can customize
Bank sync via Plaid available on Basic and Plus tier

app.offtilt.ca/dashboard/mortgages

Canadian mortgage math

Your mortgage, actually correct.

Canadian mortgages compound semi-annually, not monthly. Most apps get this wrong. OffTilt does it right — built to the Canadian Interest Act.

Semi-annual compounding per the Canadian Interest Act
CMHC mortgage insurance calculated and financed into principal
Full amortization schedule with principal vs interest breakdown
Accelerated bi-weekly payment support
Prepayment tracking and renewal date reminders

app.offtilt.ca/dashboard/goals

Financial goals

Know if you're on track.

Set a savings target, pick a date, and OffTilt tells you whether you're ahead, behind, or on pace. No spreadsheets required.

Set savings goals with target amounts and dates
Linked to your actual account balances — no manual updates
On-track / behind / ahead status updated automatically
Projected completion date based on current pace
Multiple goals tracked simultaneously

app.offtilt.ca/dashboard/achievements

Achievements

Financial milestones that actually mean something.

OffTilt tracks your progress and awards achievements as you hit real financial milestones — not streaks for opening the app. Every achievement is earned, not handed out.

Under budget this month — stay on track and it counts
3 Month Streak — consistency recognized and rewarded
Net Worth Positive — a milestone worth celebrating
First $10k Net Worth — know when you've crossed it
Debt Free — the one everyone's working toward

app.offtilt.ca/dashboard/accounts

Optional bank sync

Connect your bank. Or don't.

Bank sync is available on Basic and Plus, but it's never required. CSV import and manual entry are first-class features — not an afterthought for people who won't pay.

Powered by Plaid — connects to all major Canadian banks
Transactions sync automatically, categorized on arrival
Bank credentials never touch OffTilt servers — handled by Plaid
1 institution on Basic tier
Up to 5 institutions on Plus tier
Prefer privacy? Stay fully manual — CSV import always works

Ready to try it?

Free to start. No credit card required.

Get Started Free

One app. Your completefinancial picture.